Magda Doemeny

And it sounds like it was for you and your career to be like, I want to get that because, you know, looking at some of them, we'll get into it. But, you know, your your income is actually pretty good. And it's great that you have a motivation to excel your career and earn a high income because that's going to really help your finances.

But ultimately, I think what also happens with that is what's called lifestyle creep. Right. And that is the first thing that I noticed that I think you even you're saying in different words. Right. You are making money and you deserve to spend it. And that is absolutely true. You do deserve to spend it. It's all about taking into considerations what you're trying to accomplish. Right.

But ultimately, I think what also happens with that is what's called lifestyle creep. Right. And that is the first thing that I noticed that I think you even you're saying in different words. Right. You are making money and you deserve to spend it. And that is absolutely true. You do deserve to spend it. It's all about taking into considerations what you're trying to accomplish. Right.

But ultimately, I think what also happens with that is what's called lifestyle creep. Right. And that is the first thing that I noticed that I think you even you're saying in different words. Right. You are making money and you deserve to spend it. And that is absolutely true. You do deserve to spend it. It's all about taking into considerations what you're trying to accomplish. Right.

in conjunction with what you want to spend. So if you have goals like saving for a trip or one that will impose on everyone, which is retiring, we just need to figure out how we can still enjoy life. I don't ever want to be somebody who sits and says, you just can't spend any of your money. That's no fun.

in conjunction with what you want to spend. So if you have goals like saving for a trip or one that will impose on everyone, which is retiring, we just need to figure out how we can still enjoy life. I don't ever want to be somebody who sits and says, you just can't spend any of your money. That's no fun.

in conjunction with what you want to spend. So if you have goals like saving for a trip or one that will impose on everyone, which is retiring, we just need to figure out how we can still enjoy life. I don't ever want to be somebody who sits and says, you just can't spend any of your money. That's no fun.

It's just about figuring out how we can fit that lifestyle in and still accomplish your goals. And so I think we can talk about ways to do that.

It's just about figuring out how we can fit that lifestyle in and still accomplish your goals. And so I think we can talk about ways to do that.

It's just about figuring out how we can fit that lifestyle in and still accomplish your goals. And so I think we can talk about ways to do that.

$1,895.

$1,895.

$1,895.

Yeah. First, when I just do a basic calculation, you're about $500 away from already spending your paycheck right now. That's spot on. Okay. Which is something that you're saying. There's two things that we would want to think about with kind of what you're describing. There's the debt and how do we handle it and what do we do with it?

Yeah. First, when I just do a basic calculation, you're about $500 away from already spending your paycheck right now. That's spot on. Okay. Which is something that you're saying. There's two things that we would want to think about with kind of what you're describing. There's the debt and how do we handle it and what do we do with it?

Yeah. First, when I just do a basic calculation, you're about $500 away from already spending your paycheck right now. That's spot on. Okay. Which is something that you're saying. There's two things that we would want to think about with kind of what you're describing. There's the debt and how do we handle it and what do we do with it?

But I, for the beginning parts of this stage of really deciding, like, I want to make a change. I want to do something different. I actually want to prioritize your spending because. Focusing on getting rid of your debt quickly or having a quick fix tends to not solve your long-term problem if we don't fix the habits that created the debt, right?

But I, for the beginning parts of this stage of really deciding, like, I want to make a change. I want to do something different. I actually want to prioritize your spending because. Focusing on getting rid of your debt quickly or having a quick fix tends to not solve your long-term problem if we don't fix the habits that created the debt, right?

But I, for the beginning parts of this stage of really deciding, like, I want to make a change. I want to do something different. I actually want to prioritize your spending because. Focusing on getting rid of your debt quickly or having a quick fix tends to not solve your long-term problem if we don't fix the habits that created the debt, right?

And I find that if folks will get rid of, cut out the debt for, you know, three or four of their 10 cards, then they go, oh. I have $5,000 I can spend. And we go right there. So it's not as though I don't want to tackle that. And I want to talk about that in a moment. But the first thing I want to tackle is your spending and what's happening here.